Speechwriters can only do so much. Nothing can save a speech when you have a bumbling buffoon who slurs his words‚ presents in an undignified manner and represents everything the speech is not. Nothing. Enter President Joe Biden‚ whose attendance at the National Prayer Breakfast at the Capitol in Washington...

Consider this a public service announcement from a lifelong football fan: Do not misinterpret this story as gambling advice. With that said‚ it appears that sports media "experts" -- and to some extent‚ the betting public -- strongly favor the defending-champion Kansas City Chiefs to defeat the favored San Francisco...

With approval from the country's top-tier court‚ China has administered the death penalty to a man who ruthlessly tossed his young kids from a prior marriage out of an apartment window‚ reportedly so he and his companion could start a new family. The man's paramour and apparent accomplice was also...

"Squad" member Rep. Ilhan Omar's days may be numbered after a controversial admission. However‚ George Washington University law professor Jonathan Turley recommended proceeding with caution when it comes to ousting the Minnesota Democrat -- both from Congress and the country‚ as some have suggested. The firestorm began after a video...

I’m not a financial advisor‚ I’m just a reporter but I am starting to see major bright red flashing warning lights! Imagine something just like this: Just yesterday we covered what looks to be the start of the first bank failure of 2024….more on that down below in case you missed it. Bank Crash 2.0 Incoming? Another Bank On The Verge Of Collapse — Death Candle — Trading Halted! Then we had China's Evergrande officially going under‚ after many months of rumors: China’s Largest Real Estate Developer COLLAPSES But now I want to talk about something that could be bigger than both of those things. Remember the Banking Crisis of 2023? Back in March/April of last year‚ when 4 banks failed all within a few weeks of each other? Well‚ it turns out what helped stop that contagion from spreading was something known as the Bank Term Funding Program. Don't worry‚ you don't need to be a banker or expert economist to understand this‚ I'll make it simple for you. In fact‚ I'll let Grok explain it for you: And in case that's hard to read: The Bank Term Funding Program (BTFP) is an emergency lending program created by the Federal Reserve in March 2023 to provide emergency liquidity to U.S. depository institutions. It was established in response to the sudden bank failures of Signature Bank and Silicon Valley Bank‚ which were the largest such collapses since the 2008 financial crisis. The program offers loans of up to one year in length to eligible borrowers pledging collateral eligible for purchase by Federal Reserve Banks in open market operations. The program started on March 12‚ 2023‚ and is scheduled to end on March 11‚ 2024. The Federal Reserve has announced that the program will cease making new loans as scheduled. The ending of the BTFP might create chaos and even a banking crisis or bank crash because it has provided an additional source of liquidity for financial institutions with an asset-liability duration mismatch relating to high-quality collateral. The program's goal was to provide banks an alternative to quickly selling off high-quality collateral at current discounted market values to fund liquidity needs. If the program ends‚ banks that have been relying on the BTFP for liquidity may find themselves in a difficult position‚ potentially leading to a banking crisis or bank crash. However‚ the Federal Reserve has stated that the program's ending is a planned measure and part of its effort to demonstrate support for the banking system. In other words‚ I like the way this guy said it -- the Fed just pulled the Bank's safety net: The Fed just rug pulled the bank’s safety net on their emergency Bank Term Funding Program that was implemented to slow down deposit flight after SVB’s rapid failure. Stop the arb now and ending program in March. https://t.co/qkskXFo6Tl pic.twitter.com/dEQZdnOjKh — Edward Dowd (@DowdEdward) January 25‚ 2024 UH OH!!! Here it is from the Fed's own Twitter account: @federalreserve announces that the Bank Term Funding Program (BTFP) will cease making new loans as scheduled on March 11: https://t.co/W4dc2cj6TB — Federal Reserve (@federalreserve) January 25‚ 2024 And the official Press Release from the Federal Reserve: The Federal Reserve Board on Wednesday announced that the Bank Term Funding Program (BTFP) will cease making new loans as scheduled on March 11. The program will continue to make loans until that time and is available as an additional source of liquidity for eligible institutions. During a period of stress last spring‚ the Bank Term Funding Program helped assure the stability of the banking system and provide support for the economy. After March 11‚ banks and other depository institutions will continue to have ready access to the discount window to meet liquidity needs. As the program ends‚ the interest rate applicable to new BTFP loans has been adjusted such that the rate on new loans extended from now through program expiration will be no lower than the interest rate on reserve balances in effect on the day the loan is made. This rate adjustment ensures that the BTFP continues to support the goals of the program in the current interest rate environment. This change is effective immediately. All other terms of the program are unchanged. The BTFP was established under Section 13(3) of the Federal Reserve Act‚ with approval of the Treasury Secretary. Nothing has improved from last year‚ it's only been covered up by this program. And interest rates are now higher creating more pressure on the system. In other words...not good! So...what happens when the safety net gets pulled? It should be interesting to see what happens when the BTFP ends in March. This is the emergency loan program that the Fed established during the regional bank crisis. Small banks are still feeling the pain. Follow us @KobeissiLetter for real time analysis as this develops. — The Kobeissi Letter (@KobeissiLetter) January 31‚ 2024 Brandon Aceto did a good job of breaking it all down here: Heads up folks...this could get VERY ugly‚ VERY fast. And I think we're already seeing the early cracks start to form. Below is the first bank that many believe is starting to fail. If that has already started on January 31st‚ what happens when we get closer to March 11?  Or after March 11? There's a reason I keep telling you it might be a good idea to get your money into GOLD. READ BELOW TO SEE EXACTLY HOW TO DO IT -- FOR MANY OF YOU‚ WITH NO MONEY OUT OF POCKET!  YES REALLY! Bank Crash 2.0 Incoming? Another Bank On The Verge Of Collapse -- Death Candle -- Trading Halted! Heads up folks... I've been on my soapbox sounding the alarm about the banking system for the past several months. We had 6 banks crash and collapse last year in 2023 and many thought the Banking Crash was over. I kept telling you it wasn't. I kept telling you I feared that was just the prelude. This is one of those times I wished I was wrong‚ but it's not looking like I will be. In fact‚ it's looking like the Bank Crash 2.0 is right around the corner. Here's what's happening right now as I type this: JUST IN - New York Community Bancorp stock crashes‚ trading halted. — Disclose.tv (@disclosetv) January 31‚ 2024 This is what the chart looks like: This is the stock of 'New York Community Bancorp‚' the bank that acquired troubled Signature Bank last year. They announced a $264 million loss in Q4‚ and as a result‚ the stock opened down over -40%. pic.twitter.com/6rAlqfywwj — WhaleWire (@WhaleWire) January 31‚ 2024 This is the same bank that bought Signature Bank last year....gee‚ I guess the contagion spread? Who would have thought? While everyone is focused on Mag7s‚ NYCB - New York Community Bancorp (yes‚ the bank that bought troubled Signature Bank last year) announced a $260M loss in Q4‚ and the stock opened down 40%. What was in that loan portfolio? pic.twitter.com/lzNlj9ED1t — James Lavish (@jameslavish) January 31‚ 2024 Many are calling this the "death candle": BREAKING: New York Community Bancorp #NYCB shows a concerning Death Candle. $NYCB pic.twitter.com/cTVi3xzwtX — Financial Summit (@FinSummit) January 31‚ 2024 I asked Grok if New York Community Bank is collapsing and here's what it said: Quote: "It is facing significant challenges....[but].....it would be premature to conclude the bank is failing. Anyone else get echoes of Jim Cramer in 2009 when you hear that? "BEAR STERNS IS FINE!" Remember this? On this day in 2008 Bear Stearns was bailed out by JP Morgan $JPM and The Federal Reserve at $2 per share Six days prior Jim Cramer told Mad Money viewers that "Bear Stearns is fine" and to "not pull money out" pic.twitter.com/9H68ztTZsU — Ticker History (@TickerHistory) March 16‚ 2023 Here's what I just wrote: "BEAR STERNS IS FINE!" -- Jim Cramer On March 16 in 2008 Bear Stearns was bailed out by JP Morgan $JPM and The Federal Reserve at $2 per share. Six days prior Jim Cramer told Mad Money viewers that "Bear Stearns is fine" and to "not pull money out". History is about to repeat… pic.twitter.com/yaeKeXoqQ6 — DailyNoah.com (@DailyNoahNews) January 31‚ 2024 Look‚ I'm not a financial advisor.... I'm not an accountant.... I'm not a TV guru like Jim Cramer (thank God!). I'm just a reporter and a dot-connector and I'm telling you I think a major crash is right around the corner. I think it's likely this bank fully goes under or gets bought out.... I think you see a much bigger name go down next‚ and if I had to pick one I'd say it's Citibank.... BREAKING: Citigroup To Slash 20‚000 Jobs! And I'll leave you with this.... The time to get prepared is NOT after the crash starts. The time to get prepared is now. And while I'm not a financial advisor‚ I will tell you Gold and Silver have always been God's money and they historically are safe-havens in times of massive financial crashes. That is‚ if you can find any. KEEP READING AND I'LL GIVE YOU THE BEST CONNECTION I HAVE FOR KEEPING YOUR FAMILY SAFE AND GETTING PREPARED Andy Shectman: "No one wants to sell their Gold or Silver at these make believe prices" I've been telling you for a long time now that Gold and Silver are vastly undervalued. I'm not a financial advisor and I can't tell you what to do‚ but I can look at historical data and I can easily see that the current price of Gold and Silver makes no sense unless....it's being manipulated. Now who would want to do that? And the more important question: will it go on forever‚ or do the manipulators eventually release the stretched rubber band and ride an explosion up? I've you've been paying attention in life‚ you know the answer. You know these crooks on Wall Street manipulate things down‚ ⭐ then they load their boats‚ then they manipulate them up into a bubble. Where are we in that process right now for commodities like Gold and Silver? Right exactly where I placed that star up above. ⭐ = You Are Here The Big Boys are loading their boats. But that's not just my opinion. I'm a nobody. Listen to Andy Schectman who is an expert on these things and he lays it out PERFECTLY in two minutes. Here's my rough paraphrase: "A concerted effort by the very powerful to use the suppression of commodities (gold‚ silver‚ but also a long list of all other commodities)...these countries are not complaining about suppressed low prices yet because they're accumulating!  But once it becomes obvious that the availability of these commodities is very scarce and no one wants to sell at these "make believe prices" then the public says "OMG‚ what have we been missing?"  And maybe that all happens in concert with a breakdown of the banking system‚ then the public says "give it to me now" and that's when you'll see the circuit breakers be put into affect.  But at that point it's too late." Oh my! It's so much better to listen to him explain it in his own words. It's just 2 minutes long. Watch here (as presented by my friend the Digital Asset Investor): Comex 589 pic.twitter.com/uPzrOGXhZ5 — Digital Asset Investor (@digitalassetbuy) September 11‚ 2023 Or if that doesn't work‚ try this: Andy Shectman: "A concerted effort by the very powerful to use the suppression of commodities (gold‚ silver‚ but also a long list of all other commodities)...these countries are not complaining about suppressed low prices yet because they're accumulating! But once it becomes… pic.twitter.com/PyDSyEnCFX — DailyNoah.com (@DailyNoahNews) December 14‚ 2023 So‚ what can YOU do to protect yourself? To protect your family? To stay safe? Simple: you need to get some #Gold or #Silver in your own possession. It's called "physical" gold and silver. Not paper traded garbage on the stock exchanges that isn't backed by anything. Don't touch that stuff. I have two special hook-ups for you. Both involve PHYSICAL gold and silver. Because if you do NOTHING else‚ make sure you own "physical" gold and silver‚ not paper contracts. The paper contracts (like stock ticker SLV and GLD) could very well go POOF one day and disappear or go to zero‚ because they're not actually backed by the gold and silver they claim to represent. It's a massive game of musical chairs out there and when the music stops (and I think it will stop soon...) people who only own paper might find themselves owning something not worth the paper it's literally written on. And I know you'll never forget it if I give you this GIF so....Let's Get Physical: Now...WHERE do you get physical gold and silver and how do you know it's real and safe? And that you're getting the best price? Oh‚ and how about personal one-on-one real customer service? You know‚ like you were some Big Wig millionaire at Goldman Sachs who could just call their personal banker and get help? That's what I'm about to tell you.   I have two killer connections for you... The first is for purchasing gold and silver bullion. That means bulk bars. That's the cheapest and most economical way to do it‚ to stretch your dollar into as much gold and silver as possible. The website is called WLT Precious Metals and when you see my logo in the top left-hand corner‚ you'll know you're in the right place. You'll get a personal phone call with Ira Bershatsky (or someone on his team) and they will work with you free of charge for as long as needed to answer any questions you have and get you taken care of. How about that! You don't see that much anymore‚ but Ira and his team pride themselves on good old-fashioned real customers service: No sales pitch‚ just real‚ actual help. And the best prices you will find. Here's the only disclaimer I will give you: because they do pride themselves on dedicated service‚ it might take a few days before you get a phone call back.  Just be patient. Good things come to those who wait! You can contact Ira and WLT Precious Metals here. Ok‚ that was #1. Now I want to tell you about option #2. An equally great company‚ I am so happy to be working with these guys. This next company is called Genesis Gold and this is for people who want to purchase real physical gold or silver in their IRAs (Investment Retirement Accounts). You know what the beauty of that is? TAX FREE baby! I'm not a tax advisor‚ but that's a general oversimplification. Never pay more taxes than you are legally required to pay. And that's why I love getting gold and silver in my IRA (and why I hold a large chunk in an IRA myself!). There's so much to love about Genesis Gold‚ starting with the fact they are proudly and un-ashamedly Christina! They call it "Faith-Driven Stewardship" and they put it right on the homepage of their website along with a quote from Ezekiel: Wealth Preservation With Gold &; Silver – The Genesis Gold IRA By your wisdom and your understanding you have made wealth for yourself‚ and have gathered Gold and Silver into your treasuries – EZEKIEL 28:4 Genesis Gold Group believes the Bible gives clues on how man-made currencies (paper money) represent instability‚ and a lack of virtue and encourages living wastefully in excess. Conflicts have beleaguered us since the dawn of civilization‚ and they can all be encapsulated into one battle. The battle is between currency‚ man-made paper‚ and gold and silver — the two precious metals found in our Earth’s crust‚ sent to us by our Lord to use as money. Man-made currency always leads nations down the path to increased war‚ greed‚ and ultimate collapse. History has shown that abandoning gold and silver has always been a bad idea. Gold and Silver enforce discipline‚ nurture self-constraint‚ self-reliance‚ and balance‚ and lead to confidence‚ a restrained government‚ and a more stable foreign policy. Genesis Gold Group believes in empowering faith-driven stewardship with Gold &; Silver are an integral part of a balanced portfolio. Protecting your finances with precious metals has never been more crucial during these trying times. With a combined 50-plus years in the precious metals industry‚ let your Genesis gold and silver experts guide you through the simplicity of asset protection and growth with our Genesis Gold IRA. Sincerely‚ Genesis Gold Group Empowering Faith-Driven Stewardship Oh....and they're VERY good at what they do. You also get physical gold and silver with Genesis‚ believe it or not!  The gold and silver is purchased for you (in whatever combination of coins and bars you prefer‚ a picture taken and sent to you‚ and then stored safely in a vault for you! I love what these guys are doing. Here's more on why gold and silver in your IRA are so powerful: You can contact Genesis Gold here. They are also very backed up with record demand‚ so you may have to wait a bit‚ but someone WILL get in touch with you for personal customer service and assistance! Tell 'em Noah sent ya! Oh‚ and did you know Genesis is recommended by SUPERMAN himself? It's true. Superman himself‚ Clark Kent -- Dean Cain -- came on my show a few weeks ago and we broke it all down: Watch here: Stay safe! Make sure you can weather the storm when it hits! Because the storm always hits eventually‚ doesn't it? As for me and my house‚ we will be ready.      

A tampon dispenser inside the boys bathroom at a Connecticut high school was torn down ’20 minutes’ after installation. School officials placed the dispenser in the bathroom on January 24th due to an upcoming state law that requires certain public schools to have menstrual products in restrooms of both genders. Brookfield High School Principal Marc Balanda called it an “egregious instance of vandalism and destruction of property.” New state-mandated tampon dispenser in CT high school boys bathroom ripped down in 20 minutes https://t.co/D7IgpdefAa pic.twitter.com/91jPUXCwQ7 — New York Post (@nypost) February 1‚ 2024 “A dispenser with menstrual products was installed in the boys bathroom near the (main office)‚” Balanda said in an email obtained by CT Insider. “The installation was completed at 9:30 (a.m.). By 9:52 (a.m.)‚ tampons were on the floor‚ the newly installed distribution box was ripped off the wall along with the masonry anchors‚ and the distribution box itself was destroyed‚” the email continued. CT Insider reports: The law‚ which goes into effect Sept. 1‚ requires public schools serving students in grades 3 through 12 to “install coin-free dispensers or otherwise provide free access to a selection of menstrual products in all women’s restrooms‚ any all-gender restrooms (and) one men’s restroom per school.” In the email‚ Balanda said that while the law refers to a men’s bathroom‚ the student’s acts of vandalism and destruction of property “were the work of immature boys‚ not men.” The school will reinstall the dispenser box in a boys bathroom‚ Balanda said in the email. Students should not resort to vandalism when they don’t understand something‚ he said. Instead‚ Balanda said‚ “ask for more information. Use your words to start a dialogue rather than using your hands to destroy something. In this particular instance‚ if you have questions‚ please let me know.” “The tampon dispenser in a boy’s bathroom in a Connecticut school was ripped down 20 minutes after being installed. The principal sent out an email describing the event as ‘the most egregious instance of vandalism’ and promised ‘consequences’ for the ‘list of suspects.’ Democrats in Connecticut passed a law requiring all schools to have menstrual products in at least 1 boy’s bathroom‚” Libs of TikTok wrote. The tampon dispenser in a boy’s bathroom in a Connecticut school was ripped down 20 minutes after being installed. The principal sent out an email describing the event as “the most egregious instance of vandalism” and promised “consequences” for the “list of suspects.”… pic.twitter.com/aAdkMtbui8 — Libs of TikTok (@libsoftiktok) February 1‚ 2024 * Images from Libs of TikTok X Post * From the New York Post: He added there have been other instances of vandalism in recent weeks in boys’ bathrooms‚ including tearing down soap dispensers and stuffing objects down toilets‚ but he found this the “most egregious” case‚ per the email. The state mandate was put in place so transgender and intersex students would have menstrual products available if needed‚ CT Insider reported. “Having open dialogue in the school community can help everyone understand the law‚ ensure a school environment where everyone is respected‚ and all students are supported‚” state Department of Education spokesperson Matthew Cerrone told The Post.‚ State education officials aren’t aware of any other similar instances‚ he said. Brookfield Schools Superintendent John Barile didn’t share many details about the incident with CT Insider‚ but noted the vandalism has been addressed with the student involved. Police were not called over the incident because “law enforcement is typically not involved in situations of vandalism/destruction of property unless the act rises to a much higher level of property destruction‚” Barile said‚ adding tampon dispensers have been vandalized in the girls’ bathrooms in past years.

The Department of Justice and Environmental Protection Agency (EPA) announced Tuesday that Holly Energy Partners-Operating L.P. and Osage Pipe Line Company LLC have agreed to pay $7.4 million in civil penalties to settle claims from a pipeline spill on tribal lands in Oklahoma. Oil Companies to Pay $7.4 Million in Civil Penalties to Resolve U.S. Claims for Pipeline Spill on Allotted Tribal Land Clean Water Act Settlement Addresses July 2022 Crude Oil Pipeline Rupture into Oklahoma’s Skull Creekhttps://t.co/YjFeqO8UIB pic.twitter.com/OiQD2XGcOg — DOJ Environment and Natural Resources Division (@DOJEnvironment) January 30‚ 2024 The Osage pipeline ruptured and spilled crude oil onto land owned by members of the Sac and Fox Nation in Oklahoma. The settlement also requires the two companies complete the cleanup and remediation of the impacted area. “The pipeline ruptured in July 2022. A 5-foot-long breach in the pipe gushed enough oil to halfway fill an Olympic swimming pool into Skull Creek‚ just north of Cushing‚” KOSU reports. “Oil companies have a responsibility to prevent harmful oil spills‚ and today’s settlement demonstrates that those who violate this duty will be held accountable under the law‚” said Assistant Attorney General Todd Kim of the Justice Department’s Environment and Natural Resources Division. “We appreciate the Sac and Fox Nation’s steady involvement in monitoring the cleanup efforts for environmental‚ natural resource‚ and cultural resource impacts and respect the Nation’s efforts to be caring stewards of lands owned by its members‚” he added. Read more https://t.co/G7n8s8YMJQ — U.S. EPA (@EPA) January 31‚ 2024 From the U.S. Attorney’s Office Western District of Oklahoma: “The Sac and Fox Nation is a strong partner in conserving and protecting the environment and natural resources. EPA worked closely with the Nation to keep its environmental staff and leadership updated during the response and cleanup of the Osage Pipeline spill‚” said EPA Region 6 Administrator Dr. Earthea Nance. “Today’s settlement is an important step in holding the company accountable for the impacts to Skull Creek and other potential effects.” The United States filed its Complaint today in the U.S. District Court for the Western District of Oklahoma along with the notice of lodging of a proposed Consent Decree to resolve the case. In the Complaint‚ the United States alleges that the two related Dallas-based companies are liable under the Clean Water Act for the crude oil spill that occurred on July 8‚ 2022. Osage Pipe Line Company owns the 135-mile-long‚ 20-inch-diameter pipeline that transports crude oil from a tank farm in Cushing‚ Oklahoma‚ to the HollyFrontier refinery in El Dorado‚ Kansas. Holly Energy Partners-Operating is the operator of the pipeline. The Complaint alleges the spill occurred when a segment of the pipeline ruptured adjacent to Skull Creek about five miles north of Cushing. From the point of the discharge‚ Skull Creek flows about three more miles before entering the Cimarron River. The pipeline was operating at the time of the rupture and discharged about 300‚000 gallons (7‚110 barrels) of crude oil into the creek. The land where the rupture occurred‚ and the adjacent downstream parcel that the creek runs through‚ are both allotment lands owned by members of the Sac and Fox Nation. The companies‚ the EPA‚ the Department of Transportation’s Pipeline and Hazardous Materials Safety Administration (PHMSA)‚ the Department of the Interior’s Bureau of Indian Affairs‚ and the Sac and Fox Nation responded to the rupture and spill. The companies are continuing cleanup work in Skull Creek under the oversight of the EPA‚ and the pipeline was returned to operation at reduced pressure under the oversight of PHMSA through its corrective action authority. The Sac and Fox Nation deployed tribal monitors to observe the companies’ work at the spill site and monitor for impacts to natural and cultural resources. Companies to pay $7.4 million in penalties over oil spill on Sac and Fox Nation land https://t.co/AX6KGwhcXS — The Oklahoman (@TheOklahoman_) January 31‚ 2024 KOSU reports: The oil spilled about four miles upstream of where the creek feeds into the Cimarron River‚ which provides water for agriculture and irrigation in the region. The rupture occurred on private land owned by members of the Sac and Fox Nation. The Osage Pipeline was back up and running ten days after the spill began‚ according to Holly Energy Partners‚ which operates the pipeline. But the damage lingered. The spill killed fish and other wildlife‚ and leftover oil was still visible in the creek more than a year after the rupture. The oil has been spotted as far as two miles downstream of the spill; after the pipeline companies built a containment dam‚ the oil also spread upstream. Cleanup efforts destroyed hundreds of trees along the creek. That’s according to a complaint filed by the United States against Holly Energy Partners and Osage Pipeline Company. On Tuesday‚ the U.S. Justice Department and Environmental Protection Agency announced they had reached a settlement with the oil companies.